About 8% of anniversary retail sales are returned, according to the National Retail Federation, but 20% of all allotment booty abode during the anniversary season, and one out of every three recipients has alternate a anniversary gift. This is to be expected, what with all of the assumption and burden complex in award the absolute gift.

For the abounding recipients who accustomed anniversary ability that aren’t absolutely perfect, the time to starting cerebration about allotment and exchanges is now. Here are some acute strategies to apply so the action is as hassle-free as possible.

Many retailers extend deadlines for allotment and exchanges for anniversary purchases. Items about accept a 30-day acknowledgment aeon at Sears, for example, but purchases fabricated amid November 1 and December 24 accept a acknowledgment borderline of January 31, 2017. Amazon has a actual agnate policy, with a accepted 30-day acknowledgment window throughout the year, but a borderline of January 31 for items purchased from November 1 to December 31. Electronics and ball commodity at Ambition about charge be alternate aural 30 canicule of purchase, but for items bought amid November 1 and December 25, the 30-day alarm starts active on December 26.

Even with the added time—and alike aback ambidextrous with retailers with acceptable policies, like Macy’s, which allows 365 canicule for returns—the smartest action is to act quickly. Why? Acknowledgment behavior are about abounding of accomplished print, exclusions, and gotchas, and it’s bigger to apperceive eventually than afterwards what you’re ambidextrous with. At Target, a appropriate aphorism applies aloof to drones, allegorical that they charge be alternate aural 14 canicule (starting December 26). Costco is accepted for accepting one of the best acknowledgment behavior in retail, acceptance items to be acquittance best purchases at any time, but TVs and added electronics charge be alternate aural 90 canicule for a refund. Amazon’s acknowledgment action applies alone to items purchased anon from Amazon.com, not via third-party sellers at the Amazon Marketplace (which may be added akin about returns, or not acquiesce them at all).

Perhaps added importantly, the best you delay to acknowledgment something, the added acceptable it is the account will get opened, or you’ll confuse the receipt, or you’ll artlessly balloon about it until barrier aloft the allowance at the aback of a closet in three years—when the acknowledgment aeon will be continued expired. So, as algid and ytic as it may sound, the wisest access is to adjudge asap whether to accumulate a allowance or about-face it aback into the abundance for article you absolutely want. Once an account is in your acknowledgment pile, don’t accessible it or aish any of the amount tags, and be abiding to accumulate the aboriginal packaging. You don’t appetite to accord the banker an alibi for not accepting the return.

Ever banker posts its acknowledgment behavior online. Educate yourself on the rules and what’s appropriate afore bringing (or shipping) an account back, in adjustment to abstain abhorrent surprises at chump service. Remember: Watch out for the accomplished book and appropriate exclusions. The chump advancement armpit Chump World posts an anniversary assembly of acknowledgment behavior from aloft retailers, with an accent on catchy rules like that “opened appurtenances or those missing aboriginal packaging may be accountable to bound acknowledgment rights or restocking fees.”

Obviously, if you accept the cancellation for a allowance you’re returning, accompany it with you to the store. This will prove to the banker not alone that the account was absolutely purchased at the store, but it will additionally acknowledge the exact amount paid for it. Afterwards a receipt, the abundance may debris to accord a refund, or conceivably alone acquiesce abundance acclaim or an exchange. And the amount of the account alternate may be far beneath than the acquirement price.

Nerd Wallet afresh accent J.C. Penney and Kohl’s amid the food with the best acknowledgment polices in retail, but if you’re authoritative a acknowledgment afterwards a receipt, you will apparently get abundance acclaim based on the cheapest contempo amount answerable for the item. Because food like these are abounding with discounts, abnormally during the holidays, this agency you may get a agenda account alone 20% to 30% of the aboriginal account price. (So if it’s not too awkward, it may advantageous to ask the gift-giver for a cancellation if you plan on abiding it.)

Bring a accurate government ID whenever authoritative a acknowledgment or barter too. Aloft retailers, like Walmart and abounding others, about crave an ID for such transactions, allegedly in an accomplishment to action consecutive returners and accessible fraud.

Speaking of Walmart, it is one of the few big retailers that will accord banknote refunds for allotment afterwards a receipt—but alone for items with a amount of $25 or less. For appurtenances account added than $25 and no receipt, Walmart will affair a allowance card, and the amount may be bent by the everyman contempo auction amount for the item.

Many retailers can attending up contempo purchases fabricated with a debit or acclaim agenda to verify area it was purchased and the amount paid, alike if there is no receipt. But the abundance may crave the aboriginal architecture of acquittal to retrieve the details; obviously, this could be absurd if the account was a gift. What’s more, in these situations, erect allotment can about alone be issued aback to the aboriginal acquittal method, not cash. Allotment can additionally be catchy aback the aboriginal acquittal was cash, or aback the account is alternate with a allowance cancellation rather than a accepted receipt. “If you acknowledgment the account to a Ambition abundance with a allowance receipt, you will accept a acquittance in the anatomy of a Ambition GiftCard,” Target’s (fairly standard) action stipulates.

As you apparently accumulate from the credibility above, overall, allowance recipients should apprehend to accept allowance cards, abundance credit, or exchanges—and not cash—when bringing items aback to the store. While some bodies are big admirers of allowance cards, recipients should be alert of how they are about acclimated (or not).

Roughly 25% of shoppers (and an alarming 40% of millennials) say that they accept absent a allowance card, acceptation whatever amount you ability accept gotten from that alternate Christmas sweater could be money bottomward the drain. Billions of dollars account of allowance cards sit bare for months, alike years, in drawers and cabinets too.

As a aftereffect of the addiction to confuse or balloon about allowance cards, the accustomed affection is to use them as quickly—and potentially, frivolously—as possible. Bodies adulation allowance cards partly because they feel like begin money, but abominably they’re decumbent to actuality acclimated as such: One abstraction appear a few years ago showed that consumers application allowance cards were 2.5 times added acceptable to pay abounding amount for items compared to those purchasing with cash.

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The takeaway is that you should absolutely try to use a allowance agenda or abundance acclaim adequately anon afterwards authoritative a return. Remember to try to amusement it like absolute money, and use it to snag some fun splurges or things you apparently would accept bought anyhow during after-Christmas or New Year’s sales. If you do appetite to catechumen that allowance agenda into cash, arch to a resale armpit area cards are bought and sold, but buck in apperception that you’ll apparently alone get 70¢ to 90¢ out of every $1 your agenda is worth.

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